A We provide an online platform for our Members, who are professionals within the pensions sector, to upload features, case studies, blogs, research papers and other information (“Information”) relating to impact investment for use by the general public and Affiliates.

B The Information on the Site will in part be available to all users, but some sections will be available to Affiliates only. In order to register as an Affiliate and have full access to all Information please see Section 8.3 below.

C The Information on the Site is not verified by us and we in no way endorse the Members or the Information provided by Members.

D We are not regulated by the Financial Conduct Authority and we are acting as an information centre only.

3 WHO WE ARE AND HOW TO CONTACT US

3.1 We are Keith Shackleton Associates, a company registered in England and Wales with company number 00931995 whose registered office is Briar Lea House, Brampton Road, Longtown, Carlisle, Cumbria, CA6 5TN.

3.2 You can contact us by writing to us as the above address, by calling us on 01524 389326 or emailing us at [email protected].

4 BY USING OUR SITE YOU ACCEPT THESE TERMS

4.1 By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site.

4.2 We recommend that you print a copy of these terms for future reference.

5 THERE ARE OTHER TERMS THAT MAY APPLY TO YOU

5.1 These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy and Cookies Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us, and information about cookies on our site. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Our Acceptable Use Policy below, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

5.2 If you register to use our Site as a Member to post information on our Site then further Terms and conditions will also apply.

6 WE MAY MAKE CHANGES TO THESE TERMS

We may amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

7 WE MAY MAKE CHANGES TO OUR SITE

We may update and change our site from time to time to reflect changes to our services, our users’ needs and our business priorities.

8 WE MAY SUSPEND OR WITHDRAW OUR SITE

8.1 Many parts of the site are made available free of charge and are accessible to all users.

8.2 If you wish to post Information on the site then please contact us and we will provide you with Influencer Membership registration details (which is subject to subscription fees).

8.3 If you wish to register as an Affiliate (i.e. to have access to all Information posted on our Site) then you will need to register with us for that purpose (registration is free of charge) but you will have to provide us additional information and a valid email address.

8.4 We may accept or reject a membership request at our discretion.

8.5 We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

8.6 You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

8.7 Our site is directed to those living within the United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations outside of the UK.

9 YOU MUST KEEP YOUR ACCOUNT DETAILS SAFE

9.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

9.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

9.3 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.

10 HOW YOU MAY USE MATERIAL ON OUR SITE

10.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

10.2 You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

10.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

10.4 Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

10.5 You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

10.6 If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

11 INFORMATION ON THIS SITE

11.1 We have no responsibility for information on the Site given by Members and we have no liability or responsibility as to the accuracy, reliability or completeness of any information on this Site and we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

11.2 Unless otherwise stated, none of the information on the Site is produced by us.

11.3 Unless otherwise stated, the content on our site is provided solely by our Members and not by us and is for general Information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

11.4 We provide a platform only for Information to be submitted on the Site by our Members. We do not verify the accuracy of the Information.

11.5 We are not liable for any Information given on the site or directly to you by a Member.

12 WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO

12.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

12.2 We have no control over the contents of those sites or resources.

13 USER-GENERATED CONTENT IS NOT APPROVED BY US

This site may include information and materials uploaded by other users of the site, including member profiles, bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

14 OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

14.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

14.2 Save for as stated above, to the fullest extent permitted by law, we have no liability whatsoever relating to the Information on this Website posted by Influencer members.

14.3 The content on the site is provided by professionals for the use of other professionals (i.e. those acting in a trade, business or professional use) and is not directed at consumers and retail investors.

14.4 If you use the information on our site you warrant that you are using it in the course of a business and you agree and accept that we (i) exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it; and (ii) will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

use of, or inability to use, our site; or

use of or reliance on any content displayed on our site;

In particular, we will not be liable for:

loss of profits, sales, business, or revenue;

business interruption;

loss of anticipated savings;

loss of business opportunity, goodwill or reputation; or

any indirect or consequential loss or damage

15 UPLOADING CONTENT TO OUR SITE

15.1 Whenever you make use of a feature that allows you to upload content to our site or to make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Policy.

15.2 You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

15.3 Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in Rights you are giving us to use material you upload.

15.4 We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

15.5 We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy below.

You are solely responsible for securing and backing up your content.

16 RIGHTS YOU ARE GIVING US TO USE MATERIAL YOU UPLOAD

When you upload or post content to our site, you grant us full rights to use, re-post and deal with all such content provided we deal with it in a fair and reasonable way.

17 WE ARE NOT RESPONSIBLE FOR VIRUSES AND YOU MUST NOT INTRODUCE THEM

17.1 We do not guarantee that our site will be secure or free from bugs or viruses.

17.2 You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

17.3 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

18 RULES ABOUT LINKING TO OUR SITE

18.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

18.2 You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

18.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

18.4 We reserve the right to withdraw linking permission without notice.

18.5 The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy (see below).

19 USE OF OUR TRADE MARKS

You are not permitted to use any of our trademarks, whether they are registered or not, without our approval, unless they are part of material you are using as permitted under How you may use material on our site.

20 Website acceptable use policy

This acceptable use policy sets out the terms between you and us under which you may access our website.

21 PROHIBITED USES

21.1 You may use our site only for lawful purposes. You may not use our site:

In any way that breaches any applicable local, national or international law or regulation.

In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

For the purpose of harming or attempting to harm minors in any way.

To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards below.

To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;

To place for sale any goods that are illegal, immoral or offensive, hazardous, restricted or regulated.

21.2 You also agree:

Not to reproduce, duplicate copy or re-sell any part of our site in contravention of the provisions of our terms of website use above.

Not to access without authority, interfere with, damage or disrupt:

any part of our site;

any equipment or network on which our site is stored;

any software used in the provision of our site; or

any equipment or network or software owned or used by any third party.

22 INTERACTIVE SERVICES

22.1 We may from time to time provide interactive services on our site, including, without limitation:

Chat rooms.

Bulletin boards.

(interactive services).

22.2 Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

22.3 We will do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

22.4 We do not allow minors to use of any of our interactive services.

22.5 Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

23 CONTENT STANDARDS

23.1 These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.

23.2 You must comply with the spirit and the letter of the following standards. The standards apply to each part of any contribution as well as to its whole.

23.3 Contributions must:

Be accurate (where they state facts).

Be genuinely held (where they state opinions).

Comply with applicable law in the UK and in any country from which they are posted.

23.4 Contributions must not:

Contain any material which is defamatory of any person.

Contain any material which is obscene, offensive, hateful or inflammatory.

Be likely to harass, upset, embarrass alarm or annoy any other person.

Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.

Give the impression that they emanate from us, if this is not the case.

Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

24 SUSPENSION AND TERMINATION

24.1 We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.

24.2 Failure to comply with this acceptable use policy constitutes a material breach of the terms of use upon which you are permitted to use our site, and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our site.

Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.

Issue of a warning to you.

Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.

Further legal action against you.

Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

24.3 We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

25 COMPLAINTS

25.1 We hope that you will be happy with the Site however, if you do have any complaints regarding the service we provide then please contact us by calling us on 01524 389326 or emailing us at [email protected].

25.2 If you have any complaints in regard to the Information provided by a Member, then please contact the Member directly. If you are unhappy with the outcome then please contact us however, we do not make any warranties or representations as to what steps we will take in regard to such complaints.

26 CHANGES

We may revise this user and acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.

27 WHICH COUNTRY’S LAWS APPLY TO ANY DISPUTES?

These terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.